I hate saving money

I really, really do. We're in stork mode right now, and it sucks. I have things I want to pay off, dammit! And I'm not very motivated to save--I am much better at debt payment.

I have managed to get three months' mortgage into the mortgage account (somehow that feels better than having the money hanging out in the emergency fund.) Tonight, I think I finally figured out how to improve my savings attitude. I made a couple of CapOne360 subaccounts, labeled "Pay off X loan", with savings goals for the remaining balance at the end of my maternity leave.

Realistically, if I save that money up, it will be a cushion for the baby, just like the extra mortgage money. But it's a lot more exciting to think that if all goes well, I can pay things off with a transfer or two the day I go back to work.

It's all semantics, of course--the difference between "budget" and "spending plan". TBH, I'm shocked at how much of this money stuff is nothing but psychology.

I'm blowing it all on debt repayment the day I go back to work at twelve weeks, but that's just me. (And I am keeping the mortgage cushion forever. It's not strictly DR, but I am the breadwinner, so I think it's wise to have.)

Most people say "when mom and baby are healthy and home." In reality for me it was when she was about 6 weeks old...by then most of the bills had arrived and been paid and I was returning to work. And most health problems should be apparent by then if either of you is going to have them.

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